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The Fraud of Modern Banking
 The first "banks" were palaces or temples where you could store your grain or other commodities.  A receipt was issued for any deposits and those receipts could be exchanged as money.  After the invention of coinage, there was a problem of too many different types of coins.  This brought the advent of the money changer, the true first bankers, who would convert one coin to another type for a fee.  These guys were usually wealthy and had money of their own. 
After paper currency was invented things changed.  Originally paper money was backed by something of value, like the grain receipts.  This was typically a precious metal.  There was a limit on the amount of paper money.  Eventually as people accumulated this money they needed some place to put the money.  It was very risky to keep your money on your person.  Think about having $50,000 cash in your house.  That doesn't seem like a very good plan.  Too many risks.  Fire, theft, misplacement.  All of these things could happen and there would be no recourse.  The money would be lost. 
A bank was a safe place to keep your money and in fact you would pay the banker to hold it.  That was an income stream for him.  He was already a wealthy guy and needed the bank to protect HIS money.  Letting people pay a fee to store their money was a natural activity. 
The rich bank owner would lend out his money for profit.  As time progressed, it was noticed that only a small amount of the money on deposit was ever being taken out.  Why not lend out some of THAT money and earn some interest?  As long as the amount lended was reasonable, the banks deposits would be adequate.  Before long, the bankers noticed the incredible profits possible and they lent out more and more money.  Theoretically the the amount kept would never be below 10%. That is no longer true.  Not by a long shot. 
Today, you no longer need to be super wealthy to start a bank.  You need connections.  This is because money is now lent into existence.  This is because there is nothing backing it.  No gold, no silver, no grain.  Today the money creation is started by the Federal Reserve.  To see how this works, and it is very confusing, watch this:
Our banking system is a complete fraud.  Simple.  End of story.  This isn't really debatable if you know the facts.  The only people who will argue with you are those who profit from the fraud and the ignorant who have been "taught" that the Fed is a benign entity.  The first part of the fraud is that without debt, there would be NO money.  Read that again.  Think about it.  There is no way that this should be true.  But it is.
Our money is created out of thin air.  We don't even have to print it anymore.  It can just be digits on a computer screen.  When gold backed our money, it was real, at least for the most part.  Once that was stopped by Nixon, then all constraints were gone.
Once this game starts, there is no happy end game.  It must, at some point crash.  There is no alternative.  The only way to keep this going longer and longer is to create more things that need debt.  Wars are a favorite.  Look how that is going: (from GATA)
"Costs are out of control, and priorities are skewed in the interest of rich organized interest groups at the expense of the vast majority of citizens. For example, war at all cost, which enriches the armaments industry, the officer corps and the financial firms that handle the war’s financing, takes precedence over the needs of American citizens. There is no money to provide the uninsured with health care, but Pentagon officials have told the Defense Appropriations Subcommittee in the House that every gallon of gasoline delivered to US troops in Afghanistan costs American taxpayers $400.

“It is a number that we were not aware of and it is worrisome,” said Rep. John Murtha, chairman of the subcommittee.

According to reports, the US Marines in Afghanistan use 800,000 gallons of gasoline per day. At $400 per gallon, that comes to a $320,000,000 daily fuel bill for the Marines alone. Only a country totally out of control would squander resources in this way.
A lot of people mistakenly think that wars are primarily used to pad the pockets of the defense contractors, and while that is true, the real reason is to create more debt, which creates more money.  The system needs more debt to keep the system from imploding.  When you need to create debt continuously you end up with things like $400 a gallon the Middle East for cryin' out loud.  The stuff practically flows out of the water pipes over there and we are paying $10,000 to fill up a Humvee?!?!??  Geez.
It all comes down to fraud.  The whole system is built on lies and mirages.  Think about this.  Did you know that for a large majority of citizens, paying of income taxes is voluntary?  Watch this video with an interview of a former IRS commissioner.  He struggles to answer the most basic of questions:  (please, please, please watch this video)
This video, and let me first say, that I am NOT telling you to not pay income taxes.  You will, in all likelihood, get steam rolled.  Why I'm showing it is to further demonstrate the dishonesty and lies of the power brokers.  This "suit" tries to equate the terms mandatory and voluntary.  Unbelievable.   After it becomes clear that his lies aren't working he cowardly stops the interview.  These are the type of people who are in CHARGE.  They could care less what's constitutional.  Just the system continues paying them.  That's why the system is terminally broken.